Apparatus and method for supporting insurance determination, and program thereof

• US 20020143586A1
• Filed: 03/27/2002
• Published: 10/03/2002
• Est. Priority Date: 03/29/2001
• Status: Abandoned Application

• Current Assignee: Mitsui Sumitomo Insurance Company Limited (Ms&Ad Insurance Group Holdings Incorporated)
• Original Assignee: Mitsui Sumitomo Insurance Company Limited (Ms&Ad Insurance Group Holdings Incorporated)
• Inventors: Mori, Michiaki, Kodama, Ryuichiro
• Application Number:
  US10/063,163
• Publication Number:
  US 20020143586A1
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

An apparatus for supporting a user in determining insurance to compensate for damage to an object of the insurance. A compensation-request-acquiring unit acquires compensation request information that has a correlation with an expectation of the user for compensation for damage caused on the insured object. A premium-distribution unit distributes premium for the insured object using the compensation request information acquired by the compensation-request-acquiring unit.

Claims

1. An apparatus for supporting a user in determining insurance to compensate for damage to an object of the insurance, comprising:

a compensation-request-acquiring unit for acquiring compensation request information that has a correlation with an expectation of the user for compensation for damage caused on said insured object; and

a premium-distribution unit for determining a distribution of premium for said insured object using said compensation request information acquired by said compensation-request-acquiring unit.

2. An apparatus as claimed in claim 1, further comprising a payment-limit-amount calculation unit for calculating a payment-limit-amount for said insured object using said distribution of said premium determined by said premium-distribution unit.

3. An apparatus as claimed in claim 2, further comprising:

a premium rate database that stores a premium rate of a plurality of said insured objects; and

said payment-limit-amount calculation unit calculates said payment-limit-amount for said plurality of said insured objects using said distribution of said premium and said premium rate stored in said premium rate database.

4. An apparatus as claimed in claim 1, further comprising:

a total limit amount setting unit for setting a total limit amount, which is an upper limit of insurance money to be paid for a plurality of said insured objects because of a same cause when there are said plurality of said insured objects; and

a premium-changing unit for changing each distributed premium for said plurality of said insured objects using said total limit amount set by said total limit amount setting unit when there are said plurality of said insured objects.

5. An apparatus as claimed in claim 4, wherein:

said premium changing unit acquires a ratio between a first expected value of insurance money, which is paid when said total limit amount is applied, and a second expected value of insurance money, which is paid when said total limit amount is not applied, and changes said premium using said ratio.

6. An apparatus as claimed in claim 1, further comprising:

an information-transmission-urging unit that displays a screen for urging the user to transmit conscience information, which is used to specify said expectation of the user for said insured object; and

a conscience-information-acquiring unit for acquiring said conscience information from the user; and

said compensation-request-acquiring unit acquires said compensation request information using said conscience information of the user.

7. An apparatus as claimed in claim 6, wherein:

said information-transmission-urging unit displays a questionnaire related to said insured object on said first screen and displays a second screen that urges the user to transmit an answer for said questionnaire; and

said conscience-information-acquiring unit receives said answer for said questionnaire as said conscience information.

8. An apparatus as claimed in claim 7, wherein:

said information-transmission-urging unit uses risk examples that describe examples of damages to said insured object as said questionnaire; and

said conscience-information-acquiring unit receives rank information that ranks said risk examples according to a degree of importance of each risk as said answer.

9. An apparatus as claimed in claim 7, wherein:

said information-transmission-urging unit uses risk examples that describe examples of damages to said insured object as said questionnaire; and

said conscience-information-acquiring unit receives evaluation information that evaluates a degree of importance of said risk examples as said answer.

10. An apparatus as claimed in claim 8, wherein:

said conscience-information-acquiring unit acquires an expected occurrence frequency, which is a frequency of occurrence of an insurance accident estimated by the user, and an expected damage amount estimated by the user for one insurance accident, as said conscience information; and

said compensation-request-acquiring unit acquires said compensation request information using said expected occurrence frequency and said expected damage amount.

11. An apparatus as claimed in claim 10, wherein:

said conscience-information-acquiring unit further acquires an expected action, which is expected to be performed by the user related to said insured object after said insurance accident happens; and

said compensation-request-acquiring unit acquires said compensation request information using said expected action.

17. An apparatus as claimed in claim 16, further comprising:

a premium rate database that stores a premium rate of a plurality of said insured objects; and

said payment-limit-amount calculation unit calculates said payment-limit-amount for said plurality of said insured objects using said distribution of said premium and said premium rate stored in said premium rate database.

18. An apparatus as claimed in claim 16, wherein:

said payment-limit-amount calculation unit adjusts said payment-limit-amount to said value of said insured object when said payment-limit-amount calculated by said payment-limit-amount calculation unit is greater than said value of said insured object; and

said premium-distribution unit deducts an excess premium, which corresponds to an amount of said payment-limit-amount that is reduced, from said premium of said insured object, when said payment-limit-amount calculation unit judges that said payment-limit-amount calculated by said payment-limit-amount calculation unit is greater than said value of said insured object.

19. An apparatus as claimed in claim 18, wherein:

said premium-distribution unit redistributes said deducted amount of said excess premium to other insured objects, except said insured object, according to a ratio of said premium that has already been distributed, when there are a plurality of said insured objects.

20. An apparatus as claimed in claim 15, further comprising:

a total limit amount setting unit for setting a total limit amount, which is an upper limit of insurance money to be paid for a plurality of said insured objects because of a same cause, when there are said plurality of said insured objects; and

a premium-changing unit for changing each distributed premium of said plurality of said insured objects using said total limit amount set by said total limit amount setting unit, when there are said plurality of said insured objects.

21. An apparatus as claimed in claim 20, wherein:

said premium-changing unit acquires a ratio between a first expected value of insurance money, which is to be paid when said total limit amount is applied, and a second expected value of insurance money, which is to be paid when said total limit amount is not applied, and changes said premium using said ratio.

12. An insurance-determination-supporting apparatus for supporting a user in determining insurance for an object, comprising:

a compensation-request-acquiring unit for acquiring rank information that includes a ranking of risk of the insured object ranked by the user according to a degree of importance of a risk; and

a premium-distribution unit for determining a distribution of premium for said insured object using said rank information acquired by said compensation-request-acquiring unit.

13. An apparatus for supporting a user to determine insurance, comprising:

a compensation-request-acquiring unit for acquiring evaluation information that includes a degree of importance of risks for an insured object evaluated by the user; and

a premium-distribution unit for determining a distribution of premium for said insured object using said evaluation information acquired by said compensation-request-acquiring unit.

14. An insurance-determination-supporting apparatus for supporting a user to determine insurance, comprising:

a compensation-request-acquiring unit for acquiring an expected occurrence frequency, which is a frequency of occurrence of an insurance accident on an insured object estimated by the user, and an expected damage amount for one insurance accident estimated by the user; and

a premium-distribution unit for determining a distribution of premium for said insured object using said expected occurrence frequency and said expected damage amount acquired by said compensation-request-acquiring unit.

15. An apparatus for supporting a user to determine insurance, comprising:

a value-acquiring unit for acquiring value information that indicates a value of an insured object; and

a premium-distribution unit for determining a distribution of premium for said insured object using said value acquired by said value-acquiring unit.

16. An apparatus as claimed in claim 115, further comprising a payment-limit-amount calculation unit for calculating a payment-limit-amount for said insured object from said distributed premium.

22. An apparatus for supporting a user to determine insurance, comprising:

a value-acquiring unit for acquiring value information that indicates a value of an insured object;

a compensation-request-acquiring unit for acquiring compensation request information that has a correlation with an expectation of the user for compensation for damage caused to said value of said insured object; and

a premium-distribution unit for determining a distribution of premium for said insured object using said value acquired by said value-acquiring unit and said compensation request information acquired by said compensation-request-acquiring unit.

23. An apparatus as claimed in claim 22, further comprising a payment-limit-amount calculation unit for calculating a payment-limit-amount for said insured object from said distributed premium.

24. An apparatus as claimed in claim 23, wherein:

said payment-limit-amount calculation unit adjusts said payment-limit-amount to said value of said insured object when said payment-limit-amount calculated by said payment-limit-amount calculation unit is greater than said value of said insured object; and

said premium-distribution unit deducts an excess premium, which corresponds to an amount of said payment-limit-amount that is reduced, from said premium of said insured object, when said payment-limit-amount calculation unit judges that said payment-limit-amount calculated by said payment-limit-amount calculation unit is greater than said value of said insured object.

27. A method as claimed in claim 26, further comprising:

calculating a payment-limit-amount for said insured object using said distribution of said premium.

28. A method as claimed in claim 26, further comprising:

storing a premium rate of a plurality of said insured objects; and

calculating said payment-limit-amount for said plurality of said insured objects using said distribution of said premium and said stored premium rate.

29. A method as claimed in claim 26, further comprising:

setting a total limit amount, which is an upper limit of insurance money to be paid for a plurality of said insured objects because of a same cause when there are said plurality of said insured objects; and

changing each distributed premium for said plurality of said insured objects using said total limit amount, when there are said plurality of said insured objects.

30. A method as claimed in claim 26, further comprising:

displaying a screen for urging the user to transmit conscience information, which is used for specifying said expectation of the user for said insured object; and

acquiring said conscience information from the user; and

acquiring said compensation request information using said conscience information of the user.

25. A premium distribution adjusting apparatus for adjusting a distribution of corresponding premiums of a plurality of insured objects, comprising:

a value-acquiring unit for acquiring value information, which indicates a value of an insured object, for said plurality of said insured objects;

a payment-limit-amount calculation unit for adjusting corresponding payment-limit-amounts of said plurality of said insured objects to said corresponding values of said insured objects when said payment-limit-amounts of said insured objects are greater than said values of said insured objects; and

a premium-distribution unit for adjusting said distribution of premiums of said plurality of said insured objects according to said adjusted payment-limit-amounts.

26. A method for supporting a user to determine insurance, comprising:

acquiring compensation request information that has a correlation with an expectation of the user for compensation for damage caused to an insured object;

determining a distribution of premium for said insured object using said compensation request information; and

notifying said distributed premium to the user.

31. A method for supporting a user to determine insurance, comprising:

acquiring value information that indicates a value of an insured object;

determining a distribution of premium for said insured object using said value; and

notifying said distributed premium to the user.

32. A method as claimed in claim 31, further comprising calculating a payment-limit-amount for said insured object from said distributed premium.

33. A method as claimed in claim 32, further comprising:

storing a premium rate of a plurality of said insured objects; and

calculating said payment-limit-amount for said plurality of said insured objects using said distribution of said premium and said stored premium rate.

34. A method as claimed in claim 31, further comprising:

setting a total limit amount, which is an upper limit amount of insurance money to be paid for a plurality of said insured objects because of a same cause when there are said plurality of said insured objects; and

changing each distributed premium for said plurality of said insured objects using said total limit amount, when there are said plurality of said insured objects.

35. A storing medium storing a program executable by a computer for supporting a user to determine insurance, comprising:

a compensation request acquiring module for enabling the computer to acquire compensation request information that has a correlation with an expectation of the user for compensation for damage caused on an insured object; and

a premium distribution module for enabling the computer to determine a distribution of premium for said insured object using said compensation request information.

36. A storing medium storing a program executable by a computer for supporting a user to determine insurance, comprising:

a value-acquiring module for enabling the computer to acquire value information that indicates a value of an insured object;

a premium distribution module for enabling the computer to determine a distribution of premium for said insured object using said value of the insured object.

37. A method for adjusting a distribution of premiums of a plurality of insured objects, comprising:

acquiring a value of each insured object for said plurality of said insured objects;

adjusting payment-limit-amounts of said plurality of said insured objects to said corresponding values of said insured objects when said corresponding payment-limit-amounts of said insured objects are greater than said values of said insured objects; and

adjusting said distribution of premiums of said plurality of said insured objects according to said adjusted payment-limit-amounts.